A personal checking account that earns you cashback on purchases
Cashback Checking benefits
We've got you covered
- Earn a monthly cashback bonus up to $10 (see requirements)1
- An Ideal CU MasterCard® Debit Card plus a monthly chance to win in our $1,000 debit usage giveaway.
- 24/7 access to your account with Ideal Digital Banking and Mobile App. Check balances, transfer funds, pay bills, deposit checks remotely and more!
- Direct Deposit with Early Payday benefits.
- Access to a nationwide surcharge-free* ATM Network.
- Debit Card RoundUp Program that helps you automatically save with every purchase. Learn more
- Optional Overdraft Protection to cover purchases in the event you do not have a positive available balance in your account. Learn more and see disclosures.
- Optional MyRewards™ Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards.
Earn a monthly cashback bonus1 up to $10 based on the amount of total signature-based transactions made with your Ideal Debit MasterCard® each month. Qualify by meeting the following requirements each month:
- $750 or higher monthly direct deposit
- Be enrolled in eStatements
- 20 or more signature Ideal Debit Card transactions per month
1. You earn .25% cash back up to a maximum payout of $10 per month based on the total amount of net signature-based Ideal Debit Card purchases made during the statement cycle. Qualifying purchases include all net signature-based purchases. Purchases authorized with a PIN or ATM transaction do not apply.